This Oat Flour Bread is made with just 5 ingredients – it’s incredibly easy to make, and equally as delicious! It’s soft and cheesy, it’s healthy, high in protein and fiber, and it’s great for meal prep!
There’s something incredibly comforting about freshly baked bread – especially when it’s this easy to make. This cheesy oat flour loaf is a simple, high-protein bread that comes together in one bowl with just a handful of ingredients. No fancy techniques, no waiting for dough to rise – just mix, bake, and enjoy!
It’s the kind of recipe you can quickly prepare on a Sunday afternoon and enjoy throughout the week. Whether you top it with avocado and eggs for breakfast, dip it into a warm soup, or have it as a midday snack with a spread of butter, it’s versatile, satisfying, and nourishing.
The yogurt and eggs keep the crumb soft and moist, while the oat flour imparts a lovely, wholesome flavor. And, of course, there’s the cheese – melty inside and golden on top – adding a savory richness to each slice that makes it hard to stop at just one.
Perfect for meal prep or sharing with family, this bread is also gluten-free (provided your oats are certified GF) and packed with fiber and protein. Keep reading for ideas on how to customize it to your taste, and don’t be surprised if it becomes a weekly staple in your kitchen!
Why You’ll Love This Easy Cheesy Oat Flour Bread
- Ridiculously easy to make – One bowl, a handful of ingredients, and absolutely no fuss. No yeast, no kneading, no rising time. Just mix it all together, pour it into a tin, and bake. That’s it!
- Seriously cheesy and comforting – With gooey cheese inside and golden, crispy cheddar on top, every slice is savoury, satisfying, and packed with feel-good flavour. It’s comfort food made nourishing.
- Perfect for meal prep – This loaf keeps like a dream. Pop it in the fridge and toast slices as needed for quick breakfasts, lunchbox fillers, or wholesome snacks that actually keep you full.
- Naturally gluten-free – Made with oat flour (or just oats blitzed in a blender), it’s a great wheat-free option. Just be sure to use certified gluten-free oats if needed.
- Hearty and nourishing – Packed with protein, fiber, and healthy fats thanks to the yogurt, eggs, and oats. It’s a wholesome loaf that’ll keep you going – no blood sugar crashes here.
What Makes This Easy Cheesy Oat Flour Bread Healthy?
Wholesome Oats as the Base – Oat flour is simply ground-up oats, so you’re getting all the goodness of a whole grain in every bite. It’s rich in fiber to support digestion and blood sugar balance, while offering a hearty, slightly nutty flavor. It’s also naturally gluten-free when made with certified GF oats.
A Protein-Packed Loaf – Thanks to the generous amount of eggs, this bread is surprisingly high in protein – making it more filling and satisfying than your average loaf. Eggs also bring in essential nutrients like vitamin B12, vitamin D, and choline, which support everything from brain function to hormone balance.
Creamy, Nutrient-Rich Yogurt – Yogurt adds a beautiful lightness and moisture to the bread, while contributing extra protein and calcium. If you use a live-culture yogurt, you’ll also get the benefit of probiotics, which help support gut health and digestion.
Flavorful and Filling Cheese – The cheddar does more than just taste delicious – it adds richness, helps boost the protein content, and brings in a good amount of calcium. A little goes a long way in making this bread feel indulgent, yet nourishing.
No Nasties, Just Real Ingredients – This loaf skips the refined flours, added sugars, and preservatives you’d find in store-bought breads. With just a few simple ingredients, it’s a more wholesome, homemade option that’s perfect for everyday meals.
Ingredients Needed:
These are the ingredients you’ll need to make this Oat Flour Bread. You can find the exact measurements in the recipe card at the bottom of this page.
Oat Flour – This is the superhero base of your loaf – soft, nutty, and naturally gluten-free (as long as you use certified oats). It’s packed with fibre to keep things moving, and adds a lovely rustic texture. You can buy it ready-made or whizz up your own by blending rolled oats until fine. Think of it as wholesome comfort in flour form!
Bicarb of Soda (Baking Soda) – This is your bread’s magic lifter – no yeast, no waiting around! When it mixes with the yogurt, it creates tiny bubbles that give your loaf a lovely rise and lightness. Science = delicious.
Eggs – Eight eggs might sound like a lot, but trust the process – they’re key to the texture and protein content. The eggs help bind everything together, give the loaf structure, and make it soft and fluffy without any added oil or butter.
Yogurt – Yogurt keeps the bread moist and tender while adding a gentle tang. It’s also a protein and calcium hero. Greek yogurt will give you a slightly thicker, richer loaf, but plain yogurt works perfectly too. Bonus points for the probiotic goodness!
Cheddar Cheese – Cheese lovers, rejoice! Melty bits inside, golden crispy topping outside – this is what makes it irresistibly cheesy. You can go strong with mature cheddar or mix it up with feta, mozzarella, or even a little parmesan. Comfort food, leveled up.
Salt – Just a pinch, it’s that little flavor booster that pulls everything together. Like a background singer that makes the lead shine.
Garlic Powder (Optional but awesome) – This gives the loaf a savory depth that pairs so well with the cheese.
Ingredient Substitutions:
Oat Flour – Oat flour gives this bread its soft, slightly nutty texture, but if you don’t have any, you can blitz rolled oats in a blender until fine. Almond flour works too, making the bread a bit denser and richer. Spelt flour is another option if you don’t need it gluten-free, but avoid coconut flour – it’s too absorbent and will change the texture.
Bicarbonate of Soda – Baking soda is the key rising agent here, but if you’re out, 2 teaspoons of baking powder can be swapped in. It won’t react quite the same with the yogurt’s acidity but will still give a good lift.
Eggs – Eggs provide structure and protein, but if you need an egg-free option, flax eggs (1 tablespoon ground flaxseed + 2.5 tablespoons water per egg) work well. Just note the bread will be a bit denser and less fluffy. You could also try commercial egg replacers or a mix of flax and extra yogurt.
Yogurt – Plain yogurt is perfect, but you can use Greek yogurt, double cream yogurt, or dairy-free alternatives like soy, almond, or coconut yogurt. Just keep it plain and thick, and avoid flavored varieties for the best results.
Cheddar Cheese – Cheddar is classic and melty, but feel free to swap it for mozzarella, feta, gouda, or even vegan cheese. If you skip the cheese entirely, the bread will still bake nicely but won’t have that signature cheesy richness.
Equipment Needed:
- Loaf Tin (2lb/900g size) – This is perfect for shaping your cheesy oat bread. A standard loaf pan works best, but if you don’t have one, a small baking dish or silicone mold will do. Just make sure to grease or line it well for easy removal.
- Large Mixing Bowl – You’ll whisk your eggs and yogurt in this before adding the dry ingredients. A nice, roomy bowl makes mixing easier and less messy.
- Whisk or Fork – Essential for beating the eggs and yogurt until smooth and fluffy. A hand whisk or even a fork will do the job perfectly.
- Measuring Scales or Cups – To measure out your oat flour, cheese, and yogurt accurately for the best results.
- Grater – For shredding the cheddar cheese unless you’re using pre-grated. Freshly grated cheese melts better and tastes fresher!
- Spatula or Spoon – To gently fold the flour and cheese into the wet ingredients without overmixing.
- Cooling Rack – Optional but ideal for letting your bread cool evenly and prevent sogginess on the bottom.
How to Make Cheesy Oat Flour Bread:
Here is a detailed summary of how to make this recipe. I’ve also included some photos, and you can find the recipe video in the recipe card. At the bottom of this page is a summarized version that can be printed.
Step One:
Preheat your oven to 180°C (350°F). Grease or line a 2lb loaf tin with baking paper to ensure easy removal.
Step Two:
In a large mixing bowl, whisk the eggs and yogurt together until smooth and creamy. This helps create a light, tender crumb in your bread.
Step Three:
Add the oat flour, bicarbonate of soda, salt (if using), and garlic powder (if using) to the wet mixture. Stir gently until just combined – don’t overmix to keep the bread soft.
Step Four:
Fold in about 100g of the grated cheddar cheese, spreading it evenly throughout the batter for melty pockets of cheesy goodness.
Step Five:
Pour the batter into the prepared loaf tin, smoothing the top with a spatula. Sprinkle the remaining 20g of cheese evenly over the surface to create a golden, cheesy crust.
Step Six:
Bake in the oven for 40–45 minutes or until the bread is golden brown and a toothpick inserted into the center comes out clean.
Step Seven:
Allow the bread to cool in the tin for 5–10 minutes, then transfer to a wire rack to cool a bit more. Slice when warm but not hot, and enjoy!
Tips and Notes:
- Use freshly grated cheese for the best melt and flavor. Pre-grated cheese often has anti-caking agents that can affect the texture.
- Don’t overmix the batter once you add the flour. Overmixing can make the bread dense instead of soft and fluffy.
- Check your oat flour texture – if you’re blending your own oats, make sure they’re finely ground so the bread has an even crumb. You can sift the oat flour if needed.
- Room temperature eggs and yogurt mix together more smoothly and help the bread rise better.
- Bake on the middle rack for even cooking and to prevent the top from browning too quickly. If it does brown too fast, loosely cover with foil halfway through baking.
- Cool slightly before slicing – cutting into it while too hot can make it crumble. Aim for 10–15 minutes of cooling.
- For extra flavor, add herbs like chives, parsley, thyme, or rosemary to the batter.
- For a crispier crust, remove the loaf from the tin after 5 minutes of cooling and return it to the oven (directly on the rack) for another 5 minutes.
- If using veggie add-ins like zucchini or spinach, make sure to squeeze out excess liquid to avoid a soggy loaf.
Note: Note: Customizations may slightly change the texture or flavour, so you might need to adjust quantities or cooking time to get the best results.
How to Store Your Easy Cheesy Oat Flour Bread:
In the fridge: Wrap your bread tightly in plastic wrap or place it in an airtight container. It will keep fresh and tasty for up to 5 days. When you want to enjoy a slice, you can eat it cold, or pop it in the toaster or oven for a warm, melty treat.
In the freezer: Slice the bread first, then freeze the slices in a single layer on a baking sheet. Once frozen, transfer them to a freezer-safe bag or container. This way, you can grab just what you need without defrosting the whole loaf! Frozen bread will stay good for up to 2 months. Toast slices straight from the freezer for a quick snack or warm breakfast.
Pro tip: If you prefer softer bread, let refrigerated or frozen slices sit out at room temperature for 5–10 minutes before eating. Either way, this bread tastes delicious!
Frequently Asked Questions:
Can I use regular flour instead of oat flour?
You can, but it will change the texture and nutrition. Oat flour gives this bread its soft, slightly nutty taste and makes it naturally gluten-free (if using certified oats). If you do swap flours, almond or spelt flour are good alternatives, but avoid coconut flour as it’s too absorbent.
Can I make this bread vegan or egg-free?
Yes! You can replace the eggs with flax eggs (1 tbsp ground flaxseed mixed with 2.5 tbsp water per egg). The texture will be a little denser but still delicious. Use dairy-free yogurt and vegan cheese to keep it fully plant-based.
What if I don’t have cheddar cheese?
No problem! Mozzarella, feta, gouda, or any cheese you love works well. You can even leave the cheese out if you prefer, though the bread will be less rich and cheesy.
How do I know when the bread is baked?
Look for a golden-brown top and edges. A toothpick inserted in the center should come out clean or with just a few moist crumbs.
Can I add veggies or herbs?
Absolutely! Grated zucchini, spinach, or dried herbs like rosemary or oregano are great additions. Just be mindful of moisture content so the bread doesn’t get soggy.
How long will this bread keep?
It keeps fresh in the fridge for up to 5 days, and you can freeze sliced portions for up to 2 months.
try these recipes next:
- Greek Yogurt English Muffins
- High Protein Biscuits
- Gluten-Free Savory Muffins
- 3-Ingredient Bagels
- Oat Tortillas
Hey! If you make this recipe, I would love it if you could leave me some feedback and a rating ⭐⭐⭐⭐⭐ in the comment section at the bottom of the page! Also let me know on Facebook, Instagram or Pinterest! I can’t wait to hear your thoughts and see your photos!
Easy Cheesy Oat Flour Bread (just 5 ingredients!)
Equipment
- Grater
- Spatula or Spoon
- Cooling Rack
Ingredients
- 240 g Oat Flour (or blended oats) – 2 cups
- 1 tsp Bicarbonate of Soda
- 8 Eggs
- 160 g Yogurt – ⅔ cup
- 120 g Cheddar (grated) – ½ cup
- 1/2 tsp Salt (Optional)
- 1 tsp Garlic Powder (Optional)
Instructions
- Preheat the oven to 180°C (350°F). Grease or line a 2lb loaf tin.
- In a large bowl, whisk together the eggs and yogurt until smooth.
- Stir in the oat flour, bicarbonate of soda, salt (if using), and garlic powder (if using). Mix until just combined.
- Add 100g of the grated cheddar cheese and fold it into the batter until evenly distributed.
- Pour the batter into the prepared loaf tin and smooth the top. Sprinkle the remaining 20g of cheese evenly over the top.
- Place in the oven and bake for 40-45 minutes or until golden brown and a toothpick inserted in the center comes out clean.
- Allow to cool in the tin for 5-10 minutes before transferring to a wire rack. Slice once cooled slightly.
Video
Notes
- Use finely ground oat flour for the best texture.
- Don’t overmix once the flour is added to keep the bread soft.
- Freshly grate cheese for better melt and flavor.
- Let the loaf cool 10–15 minutes before slicing.
- If adding veggies, squeeze out excess liquid first.
Nutrition
Let me know in the comments below if you make this Cheesy Oat Flour Bread!
